how-to-open-an-offshore-bank-account
How to Open an Offshore Bank Account
Writen by Bruce Stander
Many banks require a physical interview but not all of them do for a bank account formation. It is still largely possible to open your offshore account by mail.
Your bank will always be happy to find the following documents included in your account-formation package:
Bank Account Purpose.
Draw up a letter describing the purpose of your offshore company and the use to which its offshore bank account will be put, including intended annual turnover and information regarding the origin of the funds deposited in the account.
You should provide this information even if your bank has not asked; an upfront explanation might help avoid tiresome scrutiny later on.
Company Existence.
Provide evidence of your offshore company’s legal existence. This can take the form of a Certificate of Incorporation or if the company was incorporated more than a year ago a Certificate of Good Standing.
Make the effort to have these documents either apostilled or legalised by consular authentication, unless, of course, you are opening a bank account in the same country where your offshore company is registered.
Company Charter.
Include a copy of your offshore company’s Memorandum and Articles of Association, By-Laws or another form of your company’s charter.
Directors’ Mandate.
Include a resolution by the offshore company’s board of directors to open the offshore bank account. Some offshore banks provide their own resolutions for the directors to sign.
Directors.
Provide firm evidence of the current directorships. Non-anonymous companies (those that place their directors on public file) can provide an officially certified copy of the relevant register for this purpose. Anonymous companies (those that only maintain a private, internal register of directors) must sometimes provide other evidence.
If your offshore bank does not accept the internal register alone, you can supply incorporators’ resolution that originally appointed the first director(s) of the company, if they are still acting. If directors have changed since, be sure to also provide further documents evidencing any changes (letters of resignation, resolutions to appoint new directors, etc.)
Shareholders.
Many banks require information about the shareholders of any company seeking a banking relationship with them. Most often, this can take the form of a copy of the company’s register of shareholders.
Some offshore banks provide their own-format declaration regarding ownership; if they do, you have to complete and sign that, too. In an increasing number of jurisdictions, banks have legal responsibility to have this information.
Confirmation of identity.
Virtually all offshore banks want to receive some form of evidence of the account signatories’ identity. This is can be a copy of a passport or a driving license.
Depending on the bank, photocopies might have to be notarised. In addition, there are offshore banks that request proofs of identity not only for the actual account signatories, but for all directors and owners of the company as well (if different).
Bank references.
Many offshore banks, but not all, request that letters of reference from another bank is provided by account signatories.
Some offshore banks go even further: they demand that a bank reference each be given by all directors and shareholders of the company. There even are a few that will contact the issuing bank to verify references.
References are sometimes needed instead of, and sometimes in addition to, the confirmation of identity. There are jurisdictions where banks are under legal obligations to seek references, and there are banks that request references despite any legal obligation to do so.
Sometimes an introduction by a party known to the offshore bank (such as an existing customer) is accepted instead of a reference. A fair number of offshore banks still happily open company accounts without any references at all.
Policies vary greatly across offshore banks and jurisdictions, so make a choice that is acceptable to you.
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Bruce Stander is the Director of UK based Worldwide Corporate Services, specialists in offshore company and offshore trust formations . |
Risk of Eating Unhealthy
As a teen, most of us do not even care if we are eating right, or begin to understand the implications of poor eating habits. As we age, however, we do begin to notice the effects of improper exercise, poor eating habits, and how they affect our health. Today, as the baby boomers begin their retirement years, health concerns and questions are on the rise. These aging boomers are more concerned than any previous generations about their good health, their ability to keep their good health, and how their diet affects their health.
You do not have to be a doctor to understand the relationship between too much consumption of food and health disorders. You simply have to look around at a nation approaching an obesity epidemic to understand what happens when you over consume in general. One a smaller scale we wonder about the over consumption of just certain kinds of foods? What happens when you overdo in the sweet department?
There are all kinds of health issues related to over consumption of sugar. Diabetes would be the number one health concern. But, diabetes is not the only ill effect from over consumption of sugar. Obesity, thyroid dysfunction, kidney malfunction, and intestinal problems can all be directly associated with too much sugar consumption.
What about too much alcohol? The ravaging effects of alcoholism are a continual struggle and medical expense to many companies and citizens in this country, and indeed the whole world. Lost youth, liver problems, brain deterioration, the speeding of other age-related diseases are all side affects of too much alcohol consumption.
Then, we can talk about the effects of too little food consumption. What happens when we do not consume what we need to maintain our health? Gum diseases, heart disease, muscle deterioration, vision loss, and anorexia occur when we do not get the necessary food our body needs.
Even when we can’t consume enough actual food, we can supplement the vitamins and minerals our bodies need in order to maintain some healthy functioning. You have only to walk down the aisle at your local supermarket to discover that there has been a vitamin revolution. Every possible vitamin and mineral needed by the body is available in capsule, pill, tablet, or powder form.
Once your body has reached the point of unhealthy functioning, or you have placed such a strain on your body from over consumption that one of the related diseases has taken hold, it’s almost impossible to correct one problem without creating another. Once you have become a diabetic, there are so many complications, that simply choosing to diet and exercise is no longer an option. The health concerns you now have far outweigh the easy solution of diet and exercise. Can you begin to see how important maintaining your health is to your quality of life? How important it is to the quality of your spouses’ and children’s’ lives? Your choices directly affect situations with their lives. You should make every effort to keep your health; don’t you owe it to your family, if not yourself?
A lot of people eat foods that are generally deficient in the vitamins and minerals. Visit
Nutritional Supplements Center to learn why it is vital that you take nutritional health supplements. You will also discover best nutritional supplements.
[tags]nutritional supplements, nutritional vitamin supplements, nutritional health supplements[/tags]
dont-wait-for-the-perfect-situation-to-pay-down-your-debt
Don’t Wait For The Perfect Situation To Pay Down Your Debt
Writen by David Wilding
The number one reason people don’t get out of debt is they don’t try. This may apply to you. You want to, but never seem to do it. You put it off for whatever reason.
You want to wait for your life to be just right before you make the attempt. You tell yourself, when I get the new job, when I receive the next promotion, or when I get my next raise, I’ll go to work on my debt.
Perhaps you are waiting for some artificially set date. You tell yourself the first of the year will be a good time to start or when you get back from vacation. Whenever it is, it is always in the future.
I call this “perfect situation procrastinating.”. This allows you to put off any action, while you wait for your situation to be perfect. It reminds me of a story I read the other day about a mother registering her daughter for kindergarten.
The mother, a school teacher, took her daughter to register for kindergarten. They were greeted by the kindergarten teacher near a table outside the room. On the table she had some paper and crayons. The mother stood back while the teacher did, what the mother recognized as, a simple screening of her daughter’s abilities.
The teacher asked the child to choose her favorite color crayon and write her name on one of the pieces of paper. The mother hovering in the background, knew her daughter could not only spell her name, but the names of all her family members. She was pleased her daughter would do so well.
However the child just stood and stared at the crayons. The teacher again asked her to choose her favorite color and write her name. The child remained still. Her mother knew she could do this but stayed back to allow the teacher to handle it. The teacher then put her arm around the girl and told her it was all right, she would learn to write her name during the school year.
As the little girl and mother rode home the mother asked her why she didn’t write her name. Her daughter responded, “She asked me to write my name with my favorite color and there was no pink crayon.” The little girl, very capable of doing what was asked of her, didn’t do it because the situation was not perfect.
Many times we are the same way. As you get ready to tackle your debt, do that of which you are capable, not waiting for the perfect situation. While it is important to have a plan, it is more important to just begin. A plan may be adjusted as you go, but if you continually adjust your start date, you will never put your plan into action. So, start now, don’t wait for your pink crayon.
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(c) 2004 David Wilding David Wilding has, for the past ten years, worked with groups and individuals to change their attitudes toward the acceptance of personal debt. Visit his website http://www.debtattack.com for additional ideas, tools, and strategies for getting rid of debt. |
how-to-go-about-finding-the-best-mortgage
How To Go About Finding The Best Mortgage
Writen by Jeremy Redlinger
Lets start by taking a look at a mortgage company that calls you out of the blue. Most of the time we don’t give these people the time of day, basically because they interrupt our dinner or the game or whatever. Usually a company who has the money for a telemarketing room has a lot of extra overhead than most others. What this means is it is going to cost you more in closing cost, and possibly a higher rate then most other companies out there. If a telemarketer happens to catch you at the right time, this is not a bad opportunity to get yourself a quote.
By submitting your information online to one of these companies that claim to sell you information to only a few mortgage companies is not a bad way to get quotes, but it is also risky. The risk are that the companies who receive your information know that they will be contacted by 2 or 3 or sometimes even more companies. This can lead to promises that can not be fulfilled. On top of that your phone will probably be ringing off the hook a couple weeks later with telemarketers trying to earn your business.
The proper way to finding a mortgage is to do your research and find local brokers to get rate quotes from. By simply typing the state and mortgage company in your search tool is an easy way to find local companies. A local company is more likely to treat your situation with more consideration. A local company cares more about your situation, not just how many loans they can squeeze on the board.
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Click here To get a free e book that goes into further detail. Click here For a list of local Mortgage Companies, Real Estate Agents, Financial Planners or Home Improvement Companies. |
what-the-employee-needs-to-know-about-cobra-to-protect-himself-and-his-family
What the Employee Needs to Know About COBRA to Protect Himself and his Family
Writen by Richard R L Evans
The first question from one just terminated from his job is: What is COBRA and what are my rights and my options. Congress passed the landmark Consolidated Omnibus Budget Reconciliation Act (COBRA) health benefit provisions in 1986. First of all, COBRA can only be offered to employees and or their dependents if the employer has 20 or more employees. An employer can not legally keep an employee on his insurance plan if he or she is not a full time employee unless he or she qualifies for COBRA benefits. The employee and or his dependents can only stay on the past employers plan for up to 18 months unless the employee was released do to a disability. In the case of a disability the employee can stay on the plan for up to 29 months. In the case of employee death, legal separation, divorce or separation, or if the spouse becomes entitled to Medicare, the spouse and dependant children are entitled to 36 months of coverage. If a dependant child looses dependant child status he or she would also be eligible for 36 months of continued coverage. The down side to the COBRA option is that if you develop a medical condition while on the plan you may not be able to get the individual plan of your choice. The other negative is that the employer can charge up to 102% of his cost for regular COBRA and up to 150% of the last 11 months if you qualify as being disabled. I know this seems backwards, but that’s the way it is. Often COBRA is more expensive than an individual plan, but on the plus side if you enroll in another group plan with no more than a 62 day lapse in coverage there is no waiting for any preexisting condition. If there is a lapse in coverage of more than 62 days, preexisting condition will have a one year wait before being covered. Remember that you must decide within 60 days of the qualifying event if you want to take the COBRA coverage. Then you have 45 days to make your first payment from the date you elect to take the coverage. Payment must be made for back to the qualifying event. This can amount to 90 days or more. Life insurance benefits are not covered by COBRA. This is just a brief summary of COBRA. For additional information contact your employer. They are required by law to furnish information to you on a timely basis or face severe penalties.
What are the penalties? Although no longer as harsh as the penalties prior to TAMRA, current IRS COBRA penalties are still severe. The emplorer may pay an excise tax penalty of $100 per day for each day of noncompliance, but if a family is involved, the maximum amount of tax per day is $200 per family.
How high can the penalties go? Penalties may be as high as $2500 for each beneficiary affected by the failure of the employer to comply. If the IRS finds a violation that it considers to be more than just minimal, employers may be subject to a penalty of as much as $15,000. The maximum any employer could be taxed in a given year is $500,000 or ten percent of the health plan costs in the previous year, whichever is less.
Richard Evans
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Richard is the owner of Affordable Health, Life and Annuity Services, Richard is an independent agent with 15 years experience in the Health Insurance Industry. He is also the owner of DreamProtector Agency LLC, an investment advisor and certified college planning specialist. |
brokerage-boats
Brokerage Boats
Writen by Milos Pesic
Using agent assisted brokerage boats is a great way of selling and purchasing yachts. Yet for the benefit of the brokerage boats buyer or seller, it may be necessary outline the distinction between the ‘brokerage boats/yachts’ from the ‘brokerage boat/yacht charter’ first and foremost.
Brokerage boat/yacht charter is the broker-assisted sale of charter times on boats/yachts. Brokerage boats/yachts, on the other hand, is the broker-assisted sale of the boats/yachts. These two distinct roles are not usually performed by a single broker, while, quite the opposite, these two brokerage tasks are carried out by the same brokerage company. Nonetheless, it is important to focus on the significant function of the broker in acting upon these procedures more effectively and conveniently.
The Broker’s Role in Selling or Buying Brokerage Boats:
Selling Your Boats
Selling your boats through brokerage especially makes it easier to find the buyers for your boat. Selling a boat, as with selling anything else, could be a very strenuous task; thus, employing the aid of a broker makes the whole transaction, beginning from advertising and pricing down to the closing agreement and delivery, a whole lot simpler for the brokerage boats seller. Like real estate agents, brokers list, represent, and sell boats for their owners in exchange for his earned commission. The broker offers the following assistance in selling brokerage boats:
1. use of his professional know-how
2. establishing a fair asking price for your boats
3. preparing the listing for the public buyers’ information and distribution
4. getting the boats ready
5. performing surveys and orientation sails on your boat with and for the buyers, and
6. acting out a successful negotiation and closed deals with buyers
Buying Boats
Buying boats could be confusing for those people who do not have ample information on the various boats sold in the market. Buying a boat, especially for first time buyers may pose difficulty in settling on which boat features and/or price are the best for purchase; thus, employing the aid of a broker makes all the intricacies of buying a boat a whole lot easier for the brokerage boats buyer. Like real estate agents, brokers are agents whom people can consult with in finding and purchasing the best boats for their needs. The broker offers the following assistance in buying brokerage boats:
1. helping buyers to find and focus on their interests
2. researching on your pre-purchased or pre-selected boats
3. concluding a great deal with the boat dealer, and
4. carrying out after-buying boat insurance, docking, mooring, storage, and even sailing lessons or putting you in touch with sailing clubs
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Milos Pesic offers Brokerage advice. For more information, articles, tools, current news, and valuable resources on Brokerage and Brokerage related topics, visit his site at Online Brokerage |
your-options-in-car-financing
Your Options in Car Financing
Writen by Joseph Kenny
There are so many car financing options available how do you know which one is right for you? Read on to obtain information about all of the different options available and how to determine which one will provide you with the best benefits.
Many people take advantage of an option known as dealer financing. This is when you handle the financing of your new vehicle directly through the lender. Now, that doesn’t necessarily mean you’ll be making your payments directly to the dealer. Usually, they work with a finance company to provide the financing to you. There are definitely some benefits to this option. First, depending on your situation you may be able to obtain extremely low interest rates; in some case you may be able to obtain a zero percent interest rate. In order to obtain this special rate; however, you will need to have excellent credit with no problems. If you have any problems at all on your credit history you will not qualify for the special interest rate although you will probably be able to still obtain a loan; just at a higher rate. When your credit report is not perfect ask yourself whether you could get a better deal at a bank.
Bank financing is an option that is typically available as long as your credit history is good. This means it doesn’t have to be perfect but you shouldn’t have any major flaws either. If you have already worked with the bank in the past this will increase your chances of obtaining a loan. While a bank interest rate may not be as low as what a car dealer can offer for individuals with excellent credit, it may be better than what you could obtain at the dealership if your credit is only ‘good.’
Another option you may wish to consider is credit union financing. Of course, this option is only available if you belong to a credit union. If you do happen to have a credit union membership; however, the rate available to you may be much better than what you can obtain through a bank or dealership.
These days it is also quite easy to simply go online and surf around for a quote from an online lender. This option has become so popular many lenders are now willing to compete with one another and offer very attractive rates. In the event you do not have perfect credit, this can be a good option for you; just make sure you fully understand all of the terms of the loan before accepting it.
Another option would be to simply borrow the funds from a family member of friend. Of course, this is extremely risky because it could cause problems in your relationship in the event that you run into a problem with the payments. But, if you can’t obtain a loan elsewhere because of credit problems this may be a good option.
Finally, you may wish to consider refinancing your home or taking out a home equity loan in order to finance the cost of your new home. This basically allows you to pay cash for your vehicle with the proceeds of the loan and then paying back the money through the refi loan. In some cases you may be able to get a better interest rate with this route than you would with a traditional bank auto loan. In addition, the interest you pay on the loan is tax deductible. Like other options; however, there are some disadvantages. With this option, be aware that you could be putting your house at risk, not just your car, if you run into a problem and can’t make the payments in the future.
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Joe Kenny writes for SelectLoans.co.uk, a UK personal loans comparison site, visit us today for information on all loan topics including secured loans and links to leading UK providers. Our Site: http://www.selectloans.co.uk/ |
identity-theft-who-is-using-your-credit-card
Identity Theft - Who Is Using Your Credit Card?
Writen by Joseph Kenny
Sometimes you get a shock when you open your credit card statement, and it’s not just because of the phenomenal amount you spent on clothes last month. Occasionally there may be transactions on your credit card statement that don’t look familiar. Sometimes this is a simple banking error, but it’s worth paying attention, because you may be a victim of identity theft.
What Is Identity Theft?
Identity theft is the theft of personal information that can be used to identify individuals. It is closely related to identity fraud, which is the use of that information to obtain goods and services by deception. Identity fraud may also mean using that information to create a false identity.
Signs Of Identity Theft
Aside from the appearance of unrecognized transactions on your credit card or bank statements, other signs of identity theft are:
- Getting bills, invoices or receipts for goods or services you haven’t ordered
- Getting turned down for a credit card or loan in spite of having a good credit rating
- Finding that a mobile phone contract has been set up in your name without your knowledge
- Receiving letters from solicitors or debt collectors for debts that you know nothing about
- Your post goes missing
- Someone seems to be messing with your rubbish bags
How Does Identity Theft Happen?
There are many ways in which identity fraudsters can get hold of your personal information. In some cases, this may be through theft of your wallet or purse, burglary of your home, or pilfering from your letterbox. Identity fraudsters look for personal information such as your name, address, date of birth and so on. These can help them to set up new identities and even fraudulent businesses.
Other ways of stealing your identity include:
- Diverting your post through a change of address form
- Hacking into your computer to get hold of private information
- Monitoring ATM transactions or using special machines to get your PIN number
Fraudsters who get hold of your personal information will find it easy to open bank accounts, get credit card, loans, passports, driving licences and benefits in your name. They are unlikely to be strict about making payments on time, so it is your credit rating that will be affected.
How To Protect Against Identity Theft
There are many ways to make it more difficult for identity fraudsters to get hold of your personal information. First of all, get a copy of your personal credit file from time to time. This is inexpensive and you will be able to see if anyone has applied for credit in your name.
Let banks and credit card companies know when you move house and get your mail redirected. This will make it more difficult for someone to steal your letters and identity. At the same time, it’s worth checking that no-one is redirecting your mail without your consent.
Keep personal documents in a locked filing cabinet, safe or drawer or in a bank safety deposit box. Receipts should be shredded immediately if you don’t want them. Throwing them away makes it easy for fraudsters to get credit card numbers. If personal documents (passports, driving licences, credit cards, debit cards and so on) are lost or stolen report the loss immediately.
Finally, keep your PIN and your passwords secure. The fewer people who know about them, the less likely they are to get into the wrong hands.
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Joe Kenny writes for the Card Guide, a UK credit card site, apply for a 0% balance transfer credit cards to clear your credit card debt today. |
how-to-choose-the-right-accountant
How To Choose The Right Accountant
Writen by Gray Rollins
An accountant is a professional who keeps track of the financial records of a business or an individual. There are a number of individuals and businesses who use the services of an accountant all year round. There are other individuals who only hire an accountant to help get all of their finances in order before their tax returns are due. There are millions of accountants located all around the world. With many cities and towns having at least ten professional accountants it is often difficult for many individuals to decide which accountant they should hire.
Learning how to choose an accountant for personal or business use is a fairly easy process. There are a number of factors that should be considered before the services of an accountant are actually hired. The best way to get started on hiring an accountant is by finding a number of them in the area. It is possible to hire an accountant that is not located in the same area as an individual or business; however, many individuals feel that it is easier to deal with an accountant who is local.
There are a number of ways that an individual or business can find an accountant. The most popular way is through research. Many professional accountants are listed in the local phone or they advertise their business online. When using a phone book to find an accountant individuals should look in the yellow pages or the business directory of their phone book. The majority of accountants are listed under the heading of Accounting and Bookkeeping. It is also possible for an accountant to be found by using an online business directory. Online business directories work in the same way that a traditional phone book does; however, they are often nationwide and sometimes include feedback from previous customers. Feedback ratings of a particular company may come in handy when trying to find an reputable accountant to do business with. Many individuals also find an accountant by asking for recommendations from family, friends, and coworkers.
Personal recommendations are a great way to learn about an accountant that is professional and highly recommend; however, individuals and business owners are encouraged not to just take the word of someone that they know. A large number of accountants offer free consultations to the general public. Individuals and business owners are encouraged to use a free consultations to learn more about an accountant. If a free consultation is not available many professional accountants do not mind answering a number of questions over the phone or in an email.
The most important thing to consider when looking to choose an accountant is their qualifications. There are many states that require their accountants to become certified before operating a business, but there are others that do not regulate the way that accountants operate. A certified public accountant (CPA) is often a professional individual who was trained and has a large amount of accounting experience. Many certified public accountants charge more for their services, but at the same time they often offer better results.
There are many accountants who handle a wide variety of case loads; however, there are some that only specialize in a specific area of accounting or deal with a certain type of client. Individuals and business owners are encouraged to speak with an accountant to determine if their services can be applied to their individual needs. There are many accountants who only specialize in personal accounting while others may only work with business owners.
It is also important to determine if an accountant is working on their own or if they are a part of a larger accounting team. While each may have their advantages it is possible that a large accounting firm may mean that multiple accountants will be working on your finances. There are many individuals who only want to work with one accountant instead of multiple accountants. Working one on one with a specific accountant often allows individuals to feel like they are getting the appropriate amount of attention and it also creates less confusion and errors.
As previously mentioned learning how to choose an accountant is a fairly easy process once individuals or business owners known which type of questions to ask. Asking questions is the best way to learn about their qualifications and the amount of money that their services cost. There is a perfect accountant out there for every individuals or business it may just take a little bit of research to find him or her.
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About The Author |
a-guide-to-swiss-banking-part-1
A Guide to Swiss Banking - Part 1
Writen by John Gaines
In this guide, you will learn about the benefits of Swiss banking. You will also discover how to open a Swiss bank account, and how to use it for investment and savings purposes.
Introduction
Swiss bank accounts provide strict privacy, total confidentiality and are also tax-free.
With a Swiss bank account you can also earn interest in the currency you wish to hold your account in (USD, CHF and EUR). You can also receive an international credit card and a numbered account if you choose.
Typical Swiss bank account clients
Typical Swiss bank account clients come from all walks of life, from international consultants and sales representatives to expatriates and computer programmers. In fact, anyone seeking to gain financially (possibly through trading in the capital markets, the sale of real estate, inheritance, or an insurance policy), or who wants to protect their estate in the event of divorce or inheritance, can take advantage of the benefits of Swiss banking.
Does it cost anything to open my Swiss bank account?
Opening a Swiss bank account is often free of charge.
Which documents do I need to open a Swiss account?
Opening a Swiss bank account has never been easier.
Before you arrive in Switzerland, you will be asked you to bring with you some of the following documents:
Passport
You might also be asked to send an authenticated copy of your passport’s photo page, showing your passport number, before you arrive.
Financial background
These documents show what you do for a living, for example a copy of a current bank statement, contract of employment or tax return. The exact documents required depend on the nature of your professional life.
Origin of deposits
These documents show the financial origin of your deposit. For example if you are depositing funds from the sale of a house, you might be asked to send proof of the sale, a copy of the real estate agent’s listing, or similar.
Personal Information
You are usually requested to provide only basic personal information.
This information is required in compliance with Swiss anti-money-laundering laws and to understand your banking needs. All your information should be held in strict confidence.
Swiss bank accounts for US residents
If you live in the US you can still open a Swiss bank account. However, there are some considerations.
You should not invest in any US securities from your Swiss bank account if you want to keep this account private. Also, you cannot invest in most investment funds such as mutual funds.
Security deposit
To obtain a credit card for your Swiss bank account, you will be required to make a security deposit. Depending on the bank you choose, this deposit can be as much as 1.5 to 2 times your monthly credit limit. For example, if you have a maximum monthly limit of USD 5,000, you will be asked to deposit anything from USD 7,500 to USD 10,000. This security is held in another account at the bank and invested in a fund. Your deposit will be returned to you when you cancel your credit card and pay any outstanding bills.
Question 1: Can I get a credit card without a security deposit?
No. No bank will agree to issue a card without a security deposit.
Question 2: Can the security deposit be used to pay credit card bills?
No. Bills are sent to you, and you must pay them separately. If this is inconvenient, you can always authorise your bank to debit the amount from your account and they will hold the bill until the next time you visit the branch.
In the next installment, we deal with making deposits to and withdrawals from your Swiss bank account.
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John Gaines |
